How Much is Car Insurance for Teachers in Illinois?

The words “low-cost” and “insurance” probably shouldn’t be used in the same sentence, specifically when searching for the best price on coverage for teachers. To save some money, let’s learn about some of the factors that have a considerable impact on insurance prices, and find out if we can help you cut the cost of your next policy.

Deciphering which companies offer the most affordable auto insurance rates for teachers will involve more time than just picking a company at random. Every insurance provider uses a little different formula to determine rates, so to begin we’ll rank the most budget-friendly auto insurance companies in Illinois.

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The Hartford normally has some of the lowest car insurance rates in Illinois at around $753 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance would also make the list of some of the more affordable Illinois auto insurance companies.

As depicted above, if you are currently insured with Cincinnati Insurance and switched to Rockford Mutual, you may realize yearly savings of upwards of $77. Policyholders with Utica National might save as much as $108 a year, and USAA insureds might lower prices by $112 a year.

Understand that those premiums are averaged across all types of insureds and vehicles and and are not figured with a rate discount for teachers. So the insurer that has the lowest price for you may not even be shown in the rate chart shown above. That’s why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

One of the key components that is used to help calculate the policy price is where your home is located. Larger areas like Cicero, Berwyn, and Des Plaines will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims generally have lower rates.

The following table lists the highest-priced places in Illinois for teachers in which to buy car insurance.

Rate quotes are approximated as zip code location can affect insurance rates noticeably.

The type of vehicle you are buying coverage for is one of the biggest factors when shopping for cheap car insurance for teachers in Illinois. Vehicles with lower acceleration and performance, excellent safety ratings, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models. The next table ranks coverage costs for some of the more afforable automobiles to insure.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can impact price quotes considerably.

Based upon the rates shown, makes and models like the Ford Escape, Hyundai Tucson, Honda Accord, and Toyota Prius are likely to be a few of the most economical vehicles to insure for teachers and educators.

Careless drivers pay higher rates

The common sense way to get cheap car insurance for teachers in Illinois is to drive safely and not receive tickets or have accidents. The illustration below highlights how traffic violations and accident claims increase car insurance costs for different age groups. The premiums are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.

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In the previous example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,054. Receive one speeding ticket and the average cost jumps to $1,195, an increase of $140 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for teachers jumps again to an average of $2,519. That’s an increase of $1,465, or $122 per month, just for a couple of infractions!